On-boarding framework

ABSTRACT

The on-boarding framework consolidates and ensures consistent implementation of business compliance with regulatory policy across a global business that is required to comply with regulations of international, regional, country specific, local jurisdictions, or the like. The on-boarding framework facilitates the work flow, approvals, documents, reporting, and other information using dynamic rules that dictate the on-boarding elements based on customer type, booking entity, location of the authorized approval, special products, data collected, and the like, which are used to dynamically evaluate the client&#39;s on-boarding potential regulatory issues, and the actions used to mitigate potential regulatory issues with the entity being on-boarded.

U.S. patent application Ser. No. 13/952,258 to Kallikadavil et al.,entitled “Integration Framework,” and filed concurrently herewith, ishereby incorporated by reference in its entirety.

FIELD

The present invention relates to the field of systems that are used forverifying entities and creating a record of the verification in order toallow an institution to enter into transactions with the entities andfor compliance with regulatory bodies.

BACKGROUND

Institutions enter into transactions with various entities all over theworld. It is difficult to create systems and applications that caninterface with each other to create a uniform workflow and record of theentities because of coding differences, data type differences, varyingrequirements of users utilizing the systems and applications, regulatorychanges, business improvements, process workflow changes, or other likerestrictions.

SUMMARY

The following presents a simplified summary of one or more embodimentsof the present invention, in order to provide a basic understanding ofsuch embodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments of the present invention in a simplified form as aprelude to the more detailed description that is presented later.

Generally, systems, computer program products, and methods are describedherein for an application and system integration framework that providesinteroperability and scalability for user interfaces and workflowprocesses within and/or between institutions.

Embodiments of the invention comprise systems, computer programproducts, and methods for an on-boarding framework invention comprisingreceiving an indication from a first user of an institution to log intoan on-boarding application for on-boarding one or more entities tocomply with compliance regulations; identifying an on-boarding templatefor the on-boarding application; determining first user profile data,wherein the first user profile data comprises a first user type andassociated first user style-sheet; displaying an on-boarding interfaceto the first user based on the first user type and the first userstyle-sheet; receiving an entity selection from the first user toon-board an entity within the on-boarding interface; determining aplurality of first on-boarding questions and pre-defined answers;displaying the plurality of first on-boarding questions and pre-definedanswers in the on-boarding interface based on the template; receiving anaction from the first user that answers one or more of the plurality offirst on-boarding questions; storing the answers to the one or more ofthe plurality of first on-boarding questions; determining one or moresecond on-boarding questions and pre-defined answers based on theanswers to one or more of the plurality of first on-boarding questions;and displaying the second one or more questions and pre-defined answersin the template in the on-boarding interface.

In further accord with one embodiment, the invention further comprisesreceiving an indication from a second user to log into the on-boardingapplication for on-boarding one or more entities; identifying theon-boarding template for the on-boarding application; determining seconduser profile data, wherein the second user profile data comprises asecond user type and associated second user style-sheet; displaying theon-boarding interface to the second user based on the second user typeand the second user style-sheet; receiving the entity selection from thesecond user to on-board the entity within the on-boarding interface;displaying the plurality of first on-boarding questions and pre-definedanswers, the second one or more questions and pre-defined answers, andthe answers provided by the first user in the on-boarding interfacebased on the template; receiving, an action from the second user thatanswers one or more of the plurality of first or second on-boardingquestions, or approves the answers provided by the first user; andstoring the answers to one or more of the plurality of first or secondon-boarding questions or the approval of the answers provided by thefirst user.

In another embodiment of the invention, the plurality of questions andpre-defined answers for on-boarding the entity comprise productquestions regarding products for which the institution is enteringtransactions with the entity and regions in which the entity operates.

In still another embodiment of the invention, the plurality of questionsand pre-defined answers for on-boarding the entity comprises regulatoryquestions related to if the entity is regulated by an agency andverification questions related to if the entity is a verified entity.

In yet another embodiment of the invention, determining the plurality offirst on-boarding questions and pre-defined answers comprisesidentifying the questions and pre-defined answers in a data file;identifying a pre-defined answer type in the data file; identifying userentitlements of the first user in the data file; determining theplurality of first on-boarding questions and pre-defined answers basedon the user entitlements of the first user in the data file and thefirst user type; and wherein displaying the plurality of firston-boarding questions and pre-defined answers in the on-boardinginterface is based on the pre-defined answer type.

In further accord with an embodiment of the invention, the user profiledata includes a language preference, and wherein displaying theon-boarding interface to the first user further comprises displaying theon-boarding interface to the first user based on the languagepreference.

In another embodiment the invention further comprises receivingdocuments for on-boarding the entity from the first user; and storingthe documents for satisfying the compliance regulations.

To the accomplishment the foregoing and the related ends, the one ormore embodiments comprise the features hereinafter described andparticularly pointed out in the claims. The following description andthe annexed drawings set forth certain illustrative features of the oneor more embodiments. These features are indicative, however, of but afew of the various ways in which the principles of various embodimentsmay be employed, and this description is intended to include all suchembodiments and their equivalents.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, which are notnecessarily drawn to scale, and wherein:

FIG. 1 illustrates an integration framework system, in accordance withone embodiment of the invention;

FIG. 2 illustrates an integration framework setup process, in accordancewith an embodiment of the invention;

FIG. 3 illustrates an integration framework implementation process, inaccordance with one embodiment of the invention;

FIG. 4 illustrates a integration framework environment, in accordancewith one embodiment of the invention;

FIG. 5 illustrates an on-boarding process using the integrationframework, in accordance with an embodiment of the invention;

FIG. 6 illustrates an on-boarding entity profile user interface, inaccordance with an embodiment of the invention;

FIG. 7 illustrates an on an on-boarding entity data user interface, inaccordance with an embodiment of the invention;

FIG. 8 illustrates an on an on-boarding owners user interface, inaccordance with an embodiment of the invention;

FIG. 9 illustrates an on an on-boarding regional user interface, inaccordance with an embodiment of the invention;

FIG. 10 illustrates an on an on-boarding documents user interface, inaccordance with an embodiment of the invention; and

FIG. 11 illustrates an on an on-boarding history user interface, inaccordance with an embodiment of the invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. In the following description, for purposes ofexplanation, numerous specific details are set forth in order to providea thorough understanding of one or more embodiments. It may be evident;however, that such embodiment(s) may be practiced without these specificdetails. Like numbers refer to like elements throughout.

Generally, systems, computer program products, and methods are describedherein for an application and system integration framework that providesinteroperability and scalability for user interfaces and workflowprocesses within and/or between institutions. The integration frameworksystem 100 may be used to create one or more applications to displaydata to users on user interfaces and allow the users to take actions onthe data. The integration framework system 100 may be used to create anyapplication for any type of data and display the data as desired by oneor more users. The applications created by integration framework system100 are interoperable, scalable, an updateable without having to recodethe applications.

The integration framework system 100 includes the storage of data in oneor more data files within a data storage database 110. The data filesstore the data that is eventually displayed to a user in a userinterface 150. The data may be stored in a table, or other likespreadsheet, for example, an “xls” file. In some embodiments the datamay be stored in one or more data files depending on the ultimate outputdesired in the user interface 150. As an example, the data may include alookup data file 112, a component data file 114, and an entitlement datafile 116. The lookup data file 112 may include any type of element datafor display in a user interface 150. For example, in one embodiment ofthe invention the lookup data file 112 may comprise a list of questionsand the one or more answer (e.g., pre-defined answers) associated withthe list of questions. The component data file 114 may comprisecomponent data types indicating the types of element data that is storedin the lookup data file 112. For example, with respect to the example ofthe questions and answers, the component data types may include anindication that the answers to the questions are in a dropdown listform, a check box form, a text answer form, or the like. The entitlementdata file 116 may comprise a user type (e.g., entitlement type)indicating the one or more users that are allowed to access and/or takeactions on the element data in the lookup data file 112. Returning tothe example of the element data being questions and answers, the usertype may include all users, manager users, analysis users, a combinationof types of users, a list of users, individual users, or other like usertypes that limit the one or more users that may view and/or take actionson the one or more questions in the lookup data file 112.

In some embodiments the integration framework system 100 may also storethe data from the data files as searchable linked data 132 in a linkeddata storage database 130. In some embodiments the linked data 132 maybe name/value pairs, or other types linked data. The linked data 132stored in the linked data storage database 130 allows searching,reading, and use of the linked data 132 by any type of applicationregardless of the type of application or code in which the applicationis created. In one embodiment, the data from the data files may bestored as an “xml” file. With respect to the example of the element databeing questions and answers, the linked data may include a questionidentifier in the data files that links the questions and answers in thelookup data file 112, to the component data for the questions andanswers in the component data file 114, and the user type for thequestions and answers in the entitlement data file 116.

In addition to data files and linked data file, the integrationframework system 100 may include one or more templates (e.g., firsttemplate 122, second template 124, Nth template 126) in a templatedatabase 120, which provide the structure for display of the elementdata in the user interfaces 150 within the integration frameworkapplication. The templates may include the tabs, sub-tabs, sections,sub-sections, entries within each, or the like, which provide an outlineof how the data from the data files is presented in the user interfaces150. In other embodiments of the invention the templates may includetypes of structure for the user interfaces 150 other than tabs,sections, and the like. In the example discussed herein with respect tothe element data being questions and answers, the templates are used toprovide the framework for the user interfaces 150 in which the questionsand pre-defined answers are displayed to the user in the various tabs,sub-tabs, sections, sub-sections, or the like.

The integration framework system 100 may further include transformationstyle-sheets, which may be pre-determined or customizable for varioususers. The style-sheets may be applied to the data in the templates inorder to indicate how to illustrate the element data from the data filesin the user interfaces 150 as the user desires the element data to beillustrated. In further accord with the example of questions and answersdiscussed herein, a first style-sheet may indicate that the questionsare to be illustrated one after another in a vertical orientation fromtop to bottom, and a second style-sheet may indicate that the questionsare to be illustrated first in a left to right orientation beforeproceeding to the next vertical line.

The integration framework system 100 also includes a rules engine 140that defines what element data is shown, how the element data is shown,when the element data is shown, and to whom the element data is shown inthe user interfaces 150. With respect to the example of the data filescomprising questions and answers, types of answers, and entitlements ofusers, the rules engine 140 may identify what questions to display tothe user in the user interface 150 based on the user's profile, the usertype from the entitlement data file, and how the user answers one ormore of the questions in the user interface 150. For example, based onthe type of user logged into the application, and the user type datafrom the data files, the rules engine 140 only displays the questions tothe user that the user is approved to view or take actions on. Moreover,if a user takes an action by selecting “yes” as an answer to a question,the rules engine 140 provides a first set of questions to the user inthe user interface 150, and if the user answers the same question with“no,” the rules engine 140 provides a second set of questions to theuser in the user interface 150. The rules engine 140 may be developed toprovide the business logic, rules, and behavior for all the element datastored in the data files and eventually displayed in the user interfaces150.

The integration framework system 100 in some embodiments may alsoinclude a workflow engine 160, which sends notifications to other usersbased on the actions a user takes on the user interface 150. Theworkflow engine 160 gathers information from the user interfaces 150 anddynamically identifies the workflow path of the element data andassociated user actions. For example, if the user takes an action on theelement data provided in the user interface 150, the workflow engine 160determines if the user's action should be sent to another user (e.g., amanager user) to approve the action taken by the user or to take otheractions. In some embodiments, the workflow engine 160 sends thenotification of actions to the correct user. In the example discussedherein, after the first user answers one or more of the questions, anotification may be sent to a second user to approve or validate theanswers to the questions provided by the first user. As explained infurther detail later workflow engine 160 includes a provision to dealwith multiple parallel requests and identifies any conflicting actionstaken by users.

The integration framework system 100 may further include a workflowstorage database 170 that stores the actions taken by the one or moreusers on the element data displayed to the users through the userinterfaces 150. The workflow storage database 170 may include a recordstorage mechanism for object recovery with user draft provisions thatallows for storage and retrieval of all the recorded actions and elementdata and the associated user that provided the actions. In the examplediscussed herein with respect to the questions and answers, the workflowstorage database 170 may store the first user's answers to one or moreof the questions and/or the second user's approval of the one or morequestions answered by the first user, or the second user's answers toone or more other questions. As was the case with the linked data, theuser actions may be stored as searchable data that may be read by anytype of application regardless of the type of application or code of theapplication. For example, in one embodiment the workflow storagedatabase 170 stores the user actions in key value pairs in an “xml” fileto provide interoperability with the user interfaces 150.

In addition, a reporting engine 180 may also be included in theintegration framework system 100. The reporting engine 180 is capable ofgenerating various periodic reports. The reporting engine 180 may alsobe capable of allowing users to create customizable reports for thecurrent data or historical data reflecting the data as of a specificdates provided by the users.

The integration framework system 100 may also include a datadistribution engine 190 that provides on demand information (e.g.,status information related to the element data and user actions) inreal-time or near real-time. The data distribution engine 190 mayinclude entitlement restrictions for the users that limits the use andaccess of the on-demand information.

The integration framework system 100 may also include other databases,applications, and systems that may interface with the data stored in theintegration framework system 100. For example, in one embodiment theapplications may include, but is not limited to, a translationapplication that may translate stored text, such as when answers to thequestions are not provided as pre-defined answers.

The example discussed above with respect to the data comprisingquestions and answers is discussed in further detail with respect toFIGS. 2 and 3. FIG. 2 provides an application creation process 200related to creating an application using the integration frameworksystem 100, and FIG. 3 provides an application operation process 300related to how the integration framework system 100 operates as a useris using the application created by the integration framework system100.

As illustrated in FIG. 2, in one example a customer application forstoring customer data may be created using the integration frameworksystem 100. The customer application created may have a number ofquestions regarding customers, and associated potential answers for thequestions.

As illustrated by block 210 in FIG. 2, a data file is created for theelement data that is to be displayed on the user interface 150. As such,with respect to the example customer application, the questions andanswers are first populated into a lookup data file 112. The lookup datamay include a question identifier (e.g., Q1, Q2, Q3 . . . QN) or otherlike identifier, the associated question, and the associated one or moreanswers (e.g., pre-defined answers) for the question. The questions forthe customer application may include for example; Q1: What is yourgeographic region; Q2: Are you a business or an individual; Q3: What isyour business identification number; Q4: What is your individualidentification number; QN: Other like questions. The lookup data filemay also store answers for the questions, such as Q1: North, East,South, West; Q2 Business/Individual, or the like.

As illustrated in block 220 of in FIG. 2, a data file is createdindicating the component data type of the element data located in thedata file created in block 210. Therefore, in addition to populating alookup data file 112, a component data file 114 may also be populatedwith a reference to the questions in the lookup data file 114, throughthe question identifier (e.g., Q1, Q2, Q3 . . . QN), or anotheridentifier (e.g., 1-2-3, or the like). The component data file 114includes an associated answer type for each of the question identifiers,which identifies types of answers for each of the questions in thelookup data file 112. For example, the component data file 114 mayinclude the question identifier for Q1, Q2, Q3, Q4, . . . QN, and anassociated answer type identifier, such as for example a dropdownidentifier (e.g., DROPDOWN) for Q1 answers, a selection box identifier(e.g., SELECTION) of business/individual for Q2 answers, a five digittext box (e.g., TEXTS) for Q3 answers, and a seven digit text box (e.g.,TEXT7) for Q4 answers, and other like answer types for the questions upto QN.

Block 230 of FIG. 2 illustrates that a data file is created for theentitlement data for viewing or taking actions on the element data inthe data file created in block 210. Therefore, in addition to populatingthe lookup file 112 and the component file 114, an entitlement data file116 is populated with a reference to the questions in the lookup datafile 112, again through the question identifier (e.g., Q1, Q2, Q3 . . .QN) or other like identifier. User types are then associated with thequestion identifier in the entitlement data file 116, indicating theusers that have access to view or answer the questions through the useof a user type reference. For example, the entitlement data file mayinclude an all user type identifier (e.g., ALL USERS) for answering Q1and Q2, but a specific user type identifier (e.g., USER 1) or group ofusers identifier (e.g., USER GROUP1) to answer Q3 and Q4.

The types data entered into the data files described herein is only anexample of the types of data that could be utilized by the integrationframework system 100. It should be understood that any type of data maybe included in the data files and work within the integration frameworksystem 100 as is discussed and illustrated for the specific examplesherein.

As illustrated in block 240 of FIG. 2, the data from the data files maybe stored together as linked data in a linked data storage database 130.For example, the question identifiers (e.g., Q1, Q2, Q3 . . . QN) in thelookup data file 112, the component data file 114, and the entitlementdata file 116 links the data in each data file, within the linked datastorage 130. As previously discussed the linked data 132 stored in thelinked data storage database 130 allows searching and reading of thelinked data 132 by any type of application regardless of the type ofapplication or code in which the application is created. As previouslydiscussed the data from the data files may be stored in an “xml”database.

Block 250 illustrates that one or more templates are created todetermine how the data is organized on the user interface. The templatesprovide the underlining structure in which the questions and answers areeventually populated and displayed on the user interfaces 150. Aspreviously discussed the templates may include the tabs, sub-tabs,sections, sub-sections, entries within each, or the like, that indicatehow the element data from the data files is presented in the userinterfaces 150. In one embodiment, the names for the tabs, sub-tabs,sections, or the like are stored in the data files, such that only thedata files need to be updated when a name of a tab, sub-tab, section, orthe like changes. In other embodiments the names of the tabs, sub-tabs,sections, or the like are created in the template itself.

As illustrated by block 260 in FIG. 2, once the one or more templatesare formed the rules engine 140 is generated for decisioning how thetemplates are populated with the element data from the data files. Therules engine 140 provides what data is shown, how the data is shown,when the data is shown, and to whom the data is shown. In the examplediscussed herein the rules engine may recite that Q1 should be locatedin TAB 1, SECTION 1, while Q2, Q3, and Q4 should be located in TAB 2,SECTION 1, SUBSECTION 3. Moreover, the rules engine may recite that Q3is only displayed in the user interface when the answer to Q2 is“Business” and Q4 is only displayed in the user interface when theanswer to Q2 is “Individual.”

The rules engine 140 is set up with general references back to the datafiles (or the linked data 132), such that the rules engine 140 need onlybe programmed once. If any changes are required for what the data is,the type of data, who can access the data, or the like, only the datafiles need to be updated and the rules engine 140 will still function tothe display the data in the data files on the user interfaces 150 asoriginally defined in the rules engine 140. For example if access to Q3and Q4 needs to be changed from “USER GROUP1” to “USER1” all that isrequired is to change the user type in the entitlement data file 116. Inas second example, if a Q5 needs to be added based on the answer to Q2,the data files are simply updated with the new Q5 and the rules enginepopulates Q5 in the template in the user interface based on the answerto Q2.

As illustrated by block 270 in FIG. 2, a workflow engine 160 is createdthat gathers information from the user interfaces 150 and dynamicallyidentifies the workflow path for the element data based on user actionswith respect to the element data. For example, with respect to thequestions and answers in a customer application, the workflow engine 140may identify that a first user 4 is logged into the customer applicationand is entering information for a first customer. The first user 4 mayhave entered the answers for Q1 and Q2, but the based on the rulesengine 140 the workflow engine 150 identifies that other users (e.g., asecond user 6) are needed to answer either Q3 or Q4 (depending on theanswer to Q2). The workflow engine 160 may send a notification to theother users (e.g., a second user 6) to answer Q3 or Q4 after identifyingthat the first user 4 has answered Q2. In some embodiments the workflowengine 160 may be programmed to interact with the rules engine 140 inorder to determine the workflow path of the data; however, in otherembodiments of the invention the workflow data is programmed into therules engine 140 itself.

As illustrated by block 280 in FIG. 2, a reporting engine 180 is createdthat is capable of generating reports including historical views of theelement data and user actions. For example, the data in the customerapplication may be provided to various users throughout the institution,a needed. In some embodiments the reporting engine 180 may be a plug-inapplication that interacts with the customer application created usingthe integration framework system 100.

Block 290 of FIG. 2 also illustrates that a data distribution engine 190is created for data distribution of the element data and user actions inthe application and to provide status information of the element dataand user action. The data distribution engine 190 includes entitlementslayers for users of applications within the integrated framework systems100. In some embodiments the data distribution engine 190 may be aplug-in application that interacts with the customer application createdusing the integration framework system 100. In some embodiments of theinvention the reporting engine 180 and the data distribution engine 190may be included in a single engine.

FIG. 3 provides an application operation process 300 related to how theintegration framework system 100 operates as a user is using anapplication created within the integration framework system 100.

In operation, as illustrated in block 310 of FIG. 3, the integrationframework system 100 receives and indication that a user is logging intothe customer application created within the integration framework system100. The integrated framework system 100 determines the user, forexample based on user profile data that may either be stored inside theapplication using the integrated framework system 100 or accessed as aplug-in to the integrated framework system 100 (e.g., user directorywithin the institution).

As illustrated by block 320, in response to the user logging into theapplication, the rules engine 140 determines the template to provide tothe user based, in part, on the user profile and how the user loggedinto the application, for example a user may log into the fullapplication and the full application template is provided (e.g.,TEMPLATE 1), or the user may log into a light version of the applicationand a light template is provided (e.g., TEMPLATE 2). Thereafter, theapplication then displays the template to the user in the user interface150 accordingly.

Block 330 illustrates that the application receives an indication that auser would like to take an action within the application. For example,the user may take an action by indicating the user would like to answerquestions for a particular customer.

As illustrated by block 340, at this point the rules engine 140 accessesthe lookup data file 112, the answer type for the associated questionanswers from the component data file 114, and the user type from theentitlement data file 116 (or alternatively access this informationcollectively in the linked data file 132) in order to determine whatquestions should be displayed to the user in response to the useraction.

As illustrated in block 350 the rules engine 140 within the integrationframework system 100 applies a general style-sheet or a customizedstyle-sheet (e.g., style-sheet that displays the questions from top tobottom) to the questions and answers, based on the user preferences, anddisplays the questions and answers in the associated answer type (e.g.,a dropdown) to the user in the user interface 150 using the templateaccording to the style-sheet.

As illustrated by block 360 the application in the integration frameworksystem 100 receives an indication that the user would like to take anaction with respect to the data in the user interface 150, such asanswering a question about the customer in the user interface 150.

Block 370 illustrates that once the user takes an action on a question(e.g., selecting a Business or Individual for Q2), the rules engine 140determines any additional questions or other responses that should beprovided to the user in the user interface 150 based on the lookup data,the entitlement user type for additional questions, and the user profileof the user taking actions on the questions. If the rules engine 140determines that additional questions should be provided in the userinterface 150, the style-sheet is applied to the additional questions,if any, and the additional questions are displayed to the user in theuser interface 150 based on the template and the style-sheet.

The user may repeat blocks 320 through 370 until the user has taken allof the actions that the user would like to take within the application.For example, until the user has answered all of the questions within asection of the template or within the various section of the templatefor one or more customers.

As illustrated by block 380, the workflow engine 160 determines if otherusers (e.g., second users 6) should be notified of any actions taken bythe user (e.g., first user 4) or notified of actions that that the otherusers need to take. For example, the questions answered by a first user4 may need to be confirmed, or otherwise approved, by a second user 6before the questions are finalized for a particular customer within thecustomer application. The workflow engine 160 sends notifications orlinks to the second user 4 whenever the additional actions are requiredwithin the user interface 150 for the element data related to one ormore the customers. The workflow engine 160 facilitates completing thetasks for the processes that are incorporated into an applicationcreated using the integration framework system 10.

As illustrated by block 390 of FIG. 3, the application may save anyactions the various users take with respect to element data for the oneor more of the customers in a workflow storage database 170. Forexample, if the user answers all of the questions for a particularcustomer, the changes for that customer are stored in the workflowstorage databases 170. Also, if approval has been made with respect touser actions, approval data may also be stored within the workflowstorage database 170. As previously discussed the workflow storagedatabase 170 may store data in a format that is readable by anyapplication with any type of code to facilitate interoperability betweenapplications and institutions.

Block 395 of FIG. 3 illustrates that reporting of the element data anduser actions are provided based on the workflow data stored in theworkflow data storage database 170.

The integration framework system 100 described herein allows any user tosee the same information in customized interfaces based on theentitlement of the user, how the user wants to the see the information,and the rules related to what is shown based on the selections made bythe user. For example, a user taking an action on a question located ina specific region may be required to take additional actions to answer anumber of additional questions; however, the same user (or a differentuser) located in another region may not be required to take anyadditional actions. Moreover, in the example application, since thequestions and associated answers are known, the questions and answersmay be translated within the data files, such that the questions andanswers may be provided to the users in any language. Therefore, theintegration framework system 100 creates customizable views forindividual users all over the world that may have different personalrequirements for viewing data, as well as different regulatoryrequirements based on the location of the user.

The present invention allows for interoperability and scalability forworkflow processes within and/or between institutions because if any ofthe data needs to be changed, only the original data files are updatedand the rest of the integration framework system 100 continues tooperate without needed additional changes to the code of theapplications within the integration framework system 100. For example,if questions answers change, the answers in the element data file areupdated, or if user access to individual questions changes, theentitlement type is updated, and the application will continue tooperate without having to reprogram the template or rules engine 140.

These embodiments only discuss some of the features of the integratedframework, and as such, these and other embodiments of the invention arediscussed in further detail throughout this specification below.

FIG. 4 illustrates an integration framework system environment 1, inaccordance with one embodiment of the invention. As illustrated in FIG.4, one or more integration framework systems 10 are operatively coupled,via a network 2, to first user computer systems 20, and second usercomputer systems 30. In this way one or more first users 4 and secondusers 6 may utilize the first user computer systems 20 and second usercomputer systems 30 to access the framework systems 10 to utilize theframework applications 15 (e.g., applications created using theintegration framework systems 100), such as the on-boarding frameworkapplication 17 described in further detail below. The integrationframework system 10 is illustrated in FIG. 4 as a single system;however, the integration framework system 10, may be made up of one ormore systems, databases, engines, applications, or the like, asdescribed for example with respect to the integration framework system100 illustrated in FIG. 1.

The network 2 may be a global area network (GAN), such as the Internet,a wide area network (WAN), a local area network (LAN), or any other typeof network or combination of networks. The network 2 may provide forwireline, wireless, or a combination of wireline and wirelesscommunication between devices on the network 2.

In some embodiments of the invention the first user 4 and the seconduser 6 (e.g., employees, agents, contractors, legal representatives, orthe like) affiliated with an institution have access to the frameworksystem 10 for either creating the framework applications 15 or utilizingthe framework application 15 after the applications are developed. Inthe embodiment of the invention described below the first user 4 hasfirst access rights to the data within the on-boarding application 17and the second user 6 has second access rights to the data within theon-boarding application 17. For example, the first user 4 may be taskedwith on-boarding an entity in order to allow the first user'sinstitution to comply with internal and external regulation before doingbusiness (e.g., entering onto financial transactions) with the entity.The second user 6, may be tasked with additional on-boarding of theentity, or otherwise, with approving the on-boarding performed by thefirst user 4. One or more additional users may also on-board or completeother tasks before the entity is approved for entering transactions withthe institution performing the on-boarding the entity.

As illustrated in FIG. 4, the framework system 10 generally comprise acommunication device 12, a processing device 14, and a memory device 16.The processing device 14 is operatively coupled to the communicationdevice 12 and the memory device 16. As used herein, the term “processingdevice” generally includes circuitry used for implementing thecommunication and/or logic functions of a particular system. Forexample, a processing device may include a digital signal processordevice, a microprocessor device, and various analog-to-digitalconverters, digital-to-analog converters, and other support circuitsand/or combinations of the foregoing. Control and signal processingfunctions of the system are allocated between these processing devicesaccording to their respective capabilities. The processing device mayinclude functionality to operate one or more software programs based oncomputer-readable instructions thereof, which may be stored in a memorydevice.

The processing device 14 uses the communication device 12 to communicatewith the network 2 and other devices on the network 2, such as, but notlimited to, the first user computer systems 20 and the second usercomputer systems 30. As such, the communication device 12 generallycomprises a modem, server, or other device for communicating with otherdevices on the network 2.

As further illustrated in FIG. 4, the financial institution systems 10comprise computer-readable instructions 18 stored in the memory device16, which in one embodiment includes the computer-readable instructions18 of framework applications 15 (e.g., mobile applications, cloudapplications, system applications, database applications, or other likeapplications), such as an on-boarding framework application 17. Thecomputer-readable instructions 18 may further comprise the rules engine140, workflow engine 160, reporting engine 180, and data distributionengine 190. In some embodiments, the memory device 16 includes adatastore 19 for storing data related to the financial institutionsystems 10, including, but not limited to, data created and/or used bythe framework applications 15. The data store 19 may further include thedata storage database 110 with the data files, the template database120, the linked data storage database 130, and/or the workflow storagedatabases. In other embodiments of the invention the applications,engines, and databases may be completely or partially located on othercomputer systems, such as first user computer systems 20 or second usercomputer system 30, or other systems.

The on-boarding application 17 is a tool that consolidates and ensuresconsistent implementation of business compliance with regulatory policy(e.g., anti-money laundering (“AML”) policy) across a global businessthat is required to comply with regulations of international, regional,country specific, local jurisdictions, or the like. The on-boardingapplication 17 facilitates the work flow, approvals, documents,reporting, and other information using dynamic rules that dictate theon-boarding elements based on customer type, booking entity, location ofthe authorized approval, special products, data collected, and the like,which are used to dynamically evaluate the client's on-boardingpotential regulatory issues, and the actions used to mitigate potentialregulatory issues with the entity being on-boarded.

As illustrated in FIG. 4, the first user 4 may access the on-boardingapplication 17 through a first user computer system 20. The first usercomputer system 20 may be a desktop, laptop, tablet, mobile device(e.g., smartphone device, PDA, phone, or other like mobile device), orany other type of computer that generally comprises a communicationdevice 22, a processing device 24, and a memory device 26. Theprocessing device 24 is operatively coupled to the communication device22, and the memory device 26. The processing device 24 uses thecommunication device 22 to communicate with the network 2 and otherdevices on the network 2, such as, but not limited to, the frameworksystems 10, the second computer systems 30, and/or other systems. Assuch, the communication device 22 generally comprises a modem, server,or other device for communicating with other devices on the network 2and/or a keypad, keyboard, touch-screen, touchpad, microphone, mouse,joystick, other pointer device, button, soft key, and/or other inputdevice(s) for communicating with the first user 4.

As illustrated in FIG. 4, the first user computer system 20 may havecomputer-readable instructions 28 stored in the memory device 26, whichin one embodiment includes the computer-readable instructions 28 of aweb browser or application 27 that allows the first user 4 to access theon-boarding application 17, or the other framework applications 15. Insome embodiments, the memory device 26 includes a datastore 29 forstoring data related to the first user computer system 20, including butnot limited to data created and/or used by the web browser orapplication 27.

As illustrated in FIG. 4, the second user computer system 30 generallycomprises a communication device 32, a processing device 34, and amemory device 36. The processing device 34 is operatively coupled to thecommunication device 32 and the memory device 36. The processing device34 uses the communication device 32 to communicate with the network 2and other devices on the network 2, such as, but not limited to, thefirst user computer system 20, the framework systems 10, and/or othersystems. As such, the communication device 32 generally comprises amodem, server, or other device for communicating with other devices onthe network 2 and/or a keypad, keyboard, touch-screen, touchpad,microphone, mouse, joystick, other pointer device, button, soft key,and/or other input device(s) for communicating with the second user 6.

As further illustrated in FIG. 4, the second user computer system 30comprise computer-readable instructions 38 stored in the memory device36, which in one embodiment includes the computer-readable instructions38 of a web browser or application 37 that allows a second user 6 toaccess the on-boarding application 17, or other framework application15. In some embodiments, the memory device 36 includes a datastore 39for storing data related to the employee computer systems 30, includingbut not limited to data created and/or used by the web browser orapplication 37.

As previously indicated, in some embodiments of the invention theon-boarding application 17, or the other framework applications 15, maybe located completely or partially on the framework systems 10, firstuser computer system 20, second user computer system 30, or othersystems not specifically illustrated or described with respect to FIG.4.

FIG. 5 illustrates an on-boarding application process 500 using theintegration framework system 100, in accordance with an embodiment ofthe invention. As previously discussed the on-boarding application 17 isa tool that consolidates and ensures consistent implementation ofbusiness compliance with regulations (e.g., anti-money laundering(“AML”) policy) across a global business that is required to comply withregulations of international, regional, country specific, or localjurisdictions, or the like. The on-boarding application 17 facilitatesthe work flow, approvals, documents, reporting, and other informationusing dynamic rules that dictate the on-boarding elements based oncustomer type, booking entity, location of the authorized approval,special products, data collected, and the like, which are used todynamically evaluate the client's on-boarding potential regulatoryissues, and the actions used to mitigate the potential regulatory issueswith the entity being on-boarded, as is explained in further detailbelow.

An institution may utilize the on-boarding application 17 to consolidateall of the institution's regulatory requirements in a single data anddocument repository that allows global leveraging of on-boardingentities and reduction of redundant on-boarding systems. The on-boardingapplication provides the ability to manage the approval process formaking sure client entities and prospective client entities comply withall of the regulatory requirements on international, regional, and alocal level. The on-boarding application 17 further allows for theset-up and maintenance of the products involved in the transactionsbetween the institution and the entities being on-boarded, as well asthe reporting and monitoring of the products and transactions made withentities around the world as the product, transactions, and the businessof the entities change.

As illustrated by block 502 the first user 4 logs into the on-boardingapplication 17. As previous described when a user logs into anapplication created using the integration framework system 100, therules engine 140 determines the template, and displays the template inthe user interface 150.

As illustrated in block 504 of FIG. 5, the first user 4 may select theentity profile tab 602 in order to access an entity profile interface600 to create an entity profile for a new entity, or otherwise edit anentity profile that has already been at least partially on-boarded forone or more products, as illustrated in FIG. 6. By selecting the entityprofile tab 602 the entity profile interface 600 is displayed to thefirst user 4. The first user 4 may search for a specific entity thatalready exists to view the on-boarded entity information, search for aspecific entity to edit the profile, or add a new entity to theon-boarding application 17. For example, the first user 4 may take theseactions by utilizing the company search section in the user interface610. The entity profile interface 600 illustrates a number of sectionswithin the entity profile tab 602 that may be expanded or hidden toallow the first user 4 to view, add, update, or remove (e.g., edit)information about an entity. As an example, the first user 4 may updategeneral information for the entity in an entity information section 620,such as the entity name and address. The first user 4 may also providetax information for the entity to help provide information forregulatory compliance. The entity profile interface 600 may also includea global entity product grid section 640 that indicates the products andregions for which and in which the first user 4 wants want to on-boardthe entity. For example, the first user 4 may want to on-board theentity for entering into product 3 transactions with the entity inregion 2 and product 6 transactions with the entity in region 3. Theproduct grid may illustrate that the entity is accepted fortransactions, is in process for acceptance, is rejected, or other likeindicator that identifies the status of the on-boarding for products andregions for which the entity is being on-boarded. In some embodimentsthe on-boarding indicators in the product grid may have links that allowthe first user 4 to view, add, update, or remove (e.g., edit)information related to the on-boarding process for the specific productsand regions. In other embodiments of the invention, the entity profileinterface 600 may also have a line of business section 650 that allowsthe first user 4 to view, add, update, or remove (e.g., edit)information related to one or more lines of businesses and contactinformation for the lines of business that are involved in on-boardingthe entity for one or more products in one or more regions.

As illustrated in block 506 of FIG. 5, the first user 4 may select theentity data tab 702 in order to access an entity data interface 700allowing the first user 4 to view, add, update, or remove (e.g., edit)entity data related to the entity on-boarded or being on-boarded, asillustrated in FIG. 7. As illustrated in the entity data interface 700in FIG. 7, the first user 4, for example, may enter or update the recorddata section 710 for information related to the entity and the user thatis on-boarding the entity. For example the record data section, includesinformation related to the registration type, the associate on-boardingthe entity, the creation date of the on-boarding record, a geographicscore indicating potential issues with the entity based on the geographyin which the entity operates (e.g., operates in North America and SouthAmerica), the completion data of the on-boarding, and/or the date theentity was last updated. The entity data interface 700 also includes aregulation information section 720, including information regarding ifthe company is public or private, is the entity regulated by a governingbody, or other like regulation information. The entity data interface700 may also comprise an identity verification section 730 thatindicates if the identity of the entity has been verified and how theentity has been verified. A customer operation information section 740may also be included in the entity data interface 700. The customeroperation information section 740 may include the country of formation,the principle place of business, industry, legal status, purpose of therelationship with the entity, business practices in restriction areas,or other like operation information. Furthermore, in one embodiment thecustomer operation information section 740 may also include a foreignoperation information section 750 related to the operations of theentity in foreign countries.

The regulation information section 720, and other sections within theuser interfaces 150 provide examples of questions that are provided bythe rules engine 150 based on the first users 4 answers to otherquestions. For example, as illustrated, if the first user 4 answers“yes” to the question “Is the client publically traded?” the follow-upquestion provided by the rules engine 150 is “Is the client regulated bya regulatory body?” Alternatively, if the first user 4 answers “no” tothe question “Is the client publically traded?” then alternativequestions may be provided related any public information that mayavailable for the private company.

As illustrated in block 508 of FIG. 5, the first user 4 may select theowners tab 802 in order to access the owners interface 800 allowing thefirst user 4 to view, add, update, or remove (e.g., edit) owners datarelated to the entity on-boarded or being on-boarded, as illustrated inFIG. 8. As illustrated in the owners interface 800 the first user 4 mayadd or remove information related to the one or more companies orindividuals that have ownership stakes in the entity on-boarded or beingon-boarded, such as name, address, ownership percentage, ultimate owner(e.g., indicating if the company listed is the true owner), or otherlike ownership information.

As illustrated in block 510 of FIG. 5, the first user 4 may select theregion tab 902 in order to access the region interface 900 allowing thefirst user 4 to view, add, update, or remove (e.g., edit) regional datarelated to the entity on-boarded or being on-boarded, as illustrated inFIG. 9. The region interface 900 may include sub-tabs (e.g. Region 1904, Region 2 906, and Region 3 908) for various regions in which theentity is operates. Within, for example, the Region 1 tab 804 the firstuser 4 may view, add, update, or remove (e.g., edit) information relatedto the operations of entity in specific countries within the region. Forexample, as illustrated by the region interface 900 the first user 4 maypopulate the interface with information relating the countries in theregion, products or trading system being used by the entity in theregion, the system codes for the trading systems, and the anticipatedactivity of the entity for the products within the countries in theregions.

As illustrated in block 512 of FIG. 5, the first user 4 may select thedocuments tab 1002 in order to access the documents interface 1000allowing the first user 4 to view, add, update, or remove (e.g., edit)documents and related information to the entity on-boarded or beingon-boarded, as illustrated in FIG. 10. The documents interface 1000illustrates an activity section 1010 that includes country sections1020, 1030 in which the activities of the entity are listed with respectto each country in which the entity participates in various activities.As illustrated with respect to the country 1 section 1020, the sectionmay include information about the one or more activities taken by theentity, the documents associated with the activity, an unloadabledocument, an indication of fulfillment of the document requirements, andcontact information for the activity and or the associated document. Insome embodiments, the document section provides information about thedocument that is needed for the particular activity within theparticular country.

As illustrated in block 514 of FIG. 5, the first user 4 may select thehistory tab 1102 in order to access the history interface 1100 allowingthe first user 4 to view history data related to the actions taken byvarious users within the history interface 1100 for the entityon-boarded or being on-boarded, as illustrated in FIG. 11. The historyinterface 1100 may include a history information section 1110, whichincludes the name, data, type, and changes made by users within the userinterfaces 150 (e.g., the other tabs in the on-boarding application).The data related to a specific user may be expanded and hidden to viewinformation related to the actions that a user has taken within the userinterface 150.

As illustrated in block 516 of FIG. 5, the first user 4 may also selectthe summary tab 1202 in order to access a summary interface (notillustrated) that illustrates a summary of the other tabs created by theviewer to provide an overview of the entity on-boarded or beingon-boarded.

As illustrated in block 518 of FIG. 5, the first user 4 may select thecomments tab 1302 in order to access a comments interface (notillustrated) allowing the first user 4 to view, add, update, or remove(e.g., edit) comments related to the entity on-boarded or beingon-boarded.

Block 520 illustrates that the on-boarding application 17 in theintegration framework system 100 receives indications that the firstuser 4 has added, updated, or removed information (e.g., edited) asdescribed with respect to blocks 502 through 518 to on-board an entityfor participating in transactions with the institution that ison-boarding the entity. Since the on-boarding application 17 is createdthrough the integration framework system 100 the on-boarding application17 has the benefits previously discussed herein. Therefore, in someembodiments of the invention one or more of the questions displayedwithin the user interfaces discussed with respect to blocks 502 through518 may be displayed in a form in which the first user 4 can view butnot take actions on the information. In other embodiments of theinvention, one or more of the questions may not even be displayed to thefirst user 4 if the first user does not meet the entitlement data typein the entitlement data file 116. In some embodiments of the inventionentire entities may be hidden from particular users, for example fromusers that do not have clearance to review the on-boarding informationfor the particular entities.

As illustrated by block 522 of FIG. 5, in one embodiments of theinvention an entity may be on-boarded by one or more users in one ormore regions. As such conflicting information may be included in theon-boarding application 17 between different users that are currentlyon-boarding or have on-boarded the entity in the past. This conflictinformation may be identified as previously discussed with respect tothe workflow engine 160. Therefore, as the first user 4 is viewing,adding, updating or removing (e.g., editing) data in the user interfacesfor an entity, the workflow engine 160 is searching for conflictinginformation that other users have on-boarded for the same entity, and assuch the on-boarding application 17 may notify the first user 4 thatconflicting information may exist within the on-boarding application 17for one or more actions taken by the first user 4 and other users withinthe on-boarding application 17. For example, the entity's taxinformation entered by the first user 4 in the entry profile interface600 is different from another user's entry of tax information for thesame entity. The notification provided to the first user 4 may be apop-up window, message, e-mail, or other like notification thatindicates to the first user 4 that there is conflicting informationrelated to the on-boarded entity.

As illustrated by block 524, a notification for user actions may be sentto other users within the on-boarding application 17. For example, if afirst user 4 uploads a document for a particular type of activity of acompany and indicates that the document requirement is fulfilled, thenbefore the document is approved for being listed as fulfilled anotification may be sent to a second user 6 that has approval access forthe actions of the first user 4. The second user 6 logs into theon-boarding application 17 and approves that the documents is proper, orotherwise approves that the first user 4 has completed the documentrequirements. Other notifications may also be sent to users, such as butnot limited to requests for information to be sent to particular usersor lines of business, notifications to users to complete particularsections within the user interfaces 150, or other like notifications.

Block 526 illustrates, that after notifications are sent a second user 6may log into the on-boarding application 17 to add, update, or remove(i.e., edit) or view information the user interfaces 150. In otherembodiments, the second user 17 may not receive a notification, and issimply logging into the user interface 150 to on-board an entity orcontinue on-boarding an entity. As previously discussed with respect tothe integration framework system 100 in general, the user interface 150for the on-boarding application 17 displayed to the second user 6 isdisplayed based on the second user's entitlements, the user's preferredstyle-sheet, the region in which the user is located, and other userprofile information, such as the language in which the user wishes toview the user interface 150 for the on-boarding application 17.

Block 528 of FIG. 5, further illustrates that reporting and datadistribution services for the on-boarding application 17 may be appliedto the data in on-boarding application 17 to provide reports regardingthe on-boarding status of specific entities, status of entity products,entity documents, or the like. The reporting and data distributionservices also may utilize entitlement and privacy features that havebeen previously discussed throughout this specification in order tocontrol the information that can be disseminated through the on-boardingapplication 17. The reporting service through the reporting engine 180may be utilized to report entity information, product information, ortransactions information to regulatory bodies. For example, sendingregulatory reports to the regulatory agencies in different regionsand/or countries. The data distribution services may interact withvarious applications and systems inside and outside of the institutionto monitor the entities that have been on-boarded or are in the processof being on-boarded when entity, product, or transaction informationchanges. For example, the on-boarding application 17 may interact withregulatory bodies to notify the users when entities have been flaggedfor regulatory issues. The on-boarding application may also be used torestrict or close a relationship with an entity by changing the productsor transactions for which the entity has been on-boarded.

As illustrated by block 530 of FIG. 5 the on-boarding application 17, asis the case with other application within the integration frameworksystem 100, may interact with other applications inside and outside ofthe institution that allow the data related and used within theon-boarding application 17 to be sent downstream for use by otherapplications. As an example, the data (e.g., entitlement data, useraction data, or the like) related to the on-boarded entities may bestored as “xlm” files, and thus, be provided to other applications anddisplayed in other formats, such as “html.”

In addition to the on-boarding application 17 functions alreadydiscussed herein, the on-boarding application 17 is able to allowingdrafting and saving of the on-boarding for various entities over time asthe information for the entities is determined, identified, and changes.

The on-boarding application is described herein with respect to a firstuser 4 and a second user 6, but it should be understood that the actionstaken by the first user 4 may also be taken by the second user 6, andvice versa, as well as by one or more other users. As such, the actionsdescribed herein may be taken by any user that is has been given theauthority to take actions through the entitlement data file 116 orthrough other authorization.

As will be appreciated by one of skill in the art in view of thisdisclosure, the present invention may be embodied as an apparatus (e.g.,a system, computer program product, and/or other device), a method, or acombination of the foregoing. Accordingly, embodiments of the presentinvention may take the form of an entirely hardware embodiment, anentirely software embodiment (including firmware, resident software,micro-code, etc.), or an embodiment combining software and hardwareaspects that may generally be referred to herein as a “system.”Furthermore, embodiments of the present invention may take the form of acomputer program product comprising a computer-usable storage mediumhaving computer-usable program code/computer-readable instructionsembodied in the medium.

Any suitable computer-usable or computer-readable medium may beutilized. The computer usable or computer readable medium may be, forexample but not limited to, an electronic, magnetic, optical,electromagnetic, infrared, or semiconductor system, apparatus, ordevice. More specific examples (a non-exhaustive list) of thecomputer-readable medium would include the following: an electricalconnection having one or more wires; a tangible medium such as aportable computer diskette, a hard disk, a random access memory (RAM), aread-only memory (ROM), an erasable programmable read-only memory (EPROMor Flash memory), a compact disc read-only memory (CD-ROM), or othertangible optical or magnetic storage device.

Computer program code/computer-readable instructions for carrying outoperations of embodiments of the present invention may be written in anobject oriented, scripted or unscripted programming language such asJava, Pearl, Smalltalk, C++ or the like. However, the computer programcode/computer-readable instructions for carrying out operations of theinvention may also be written in conventional procedural programminglanguages, such as the “C” programming language or similar programminglanguages.

Embodiments of the present invention described above, with reference toflowchart illustrations and/or block diagrams of methods or apparatuses(the term “apparatus” including systems and computer program products),will be understood to include that each block of the flowchartillustrations and/or block diagrams, and combinations of blocks in theflowchart illustrations and/or block diagrams, can be implemented bycomputer program instructions. These computer program instructions maybe provided to a processor of a general purpose computer, specialpurpose computer, or other programmable data processing apparatus toproduce a particular machine, such that the instructions, which executevia the processor of the computer or other programmable data processingapparatus, create mechanisms for implementing the functions/actsspecified in the flowchart and/or block diagram block or blocks.

These computer program instructions may also be stored in acomputer-readable memory that can direct a computer or otherprogrammable data processing apparatus to function in a particularmanner, such that the instructions stored in the computer readablememory produce an article of manufacture including instructions, whichimplement the function/act specified in the flowchart and/or blockdiagram block or blocks.

The computer program instructions may also be loaded onto a computer orother programmable data processing apparatus to cause a series ofoperational steps to be performed on the computer or other programmableapparatus to produce a computer implemented process such that theinstructions, which execute on the computer or other programmableapparatus, provide steps for implementing the functions/acts specifiedin the flowchart and/or block diagram block or blocks. Alternatively,computer program implemented steps or acts may be combined with operatoror human implemented steps or acts in order to carry out an embodimentof the invention.

Specific embodiments of the invention are described herein. Manymodifications and other embodiments of the invention set forth hereinwill come to mind to one skilled in the art to which the inventionpertains, having the benefit of the teachings presented in the foregoingdescriptions and the associated drawings. Therefore, it is to beunderstood that the invention is not to be limited to the specificembodiments disclosed and that modifications and other embodiments andcombinations of embodiments are intended to be included within the scopeof the appended claims. Although specific terms are employed herein,they are used in a generic and descriptive sense only and not forpurposes of limitation.

What is claimed is:
 1. A system for on-boarding entities to comply withcompliance regulations utilizing an integration framework, the systemcomprising: one or more memory devices having computer readable programcode store thereon; and one or more processing devices operativelycoupled to the one or more memory devices, wherein the one or moreprocessing devices are configured to execute the computer readableprogram code to: receive an indication from a first user from aninstitution to log into an on-boarding application for on-boarding oneor more entities to comply with the compliance regulations and todetermine that the institution can enter into transactions with the oneor more entities being on-boarded; identify an on-boarding template forthe on-boarding application; determine first user profile data, whereinthe first user profile data comprises at least a first user type and afirst user style-sheet, wherein the first user type includes anentitlement type that indicates what the first user is approved to viewand take actions on, and wherein the first user style-sheet includes howto display a plurality of on-boarding questions and pre-defined answersin an on-boarding interface to the first user; display the on-boardinginterface to the first user in a first user interface based on the firstuser type, and the first user style-sheet; receive an entity selectionfrom the first user to on-board an entity within the on-boardinginterface; receive a region in which the first user is on-boarding theentity, and wherein the region in which the first user is on-boardingthe entity determines at least a portion of the compliance regulations;determine a plurality of first on-boarding questions and pre-definedanswers for on-boarding the entity based on the user profile data, theentity selection, and the region, wherein the plurality of questions andpre-defined answers for on-boarding the entity at least comprise productquestions regarding products for which the institution is enteringtransactions with the entity, and wherein the plurality of questions andpre-defined answers for on-boarding the entity at least compriseregulatory questions related to if the entity is regulated by an agencyand verification questions related to if the entity is a verifiedentity; display the plurality of first on-boarding questions andpre-defined answers in the on-boarding interface based on the template;receive an action from the first user that answers one or more of theplurality of first on-boarding questions; store the answers to the oneor more of the plurality of first on-boarding questions; determine oneor more second on-boarding questions and pre-defined answers based onthe answers to one or more of the plurality of first on-boardingquestions; display the second one or more questions and pre-definedanswers in the template in the on-boarding interface; and on-board theentity to allow the institution to enter into transactions with theentity when the pre-defined answers to the product questions andregulatory questions meet the compliance regulations.
 2. The system ofclaim 1, wherein the one or more processing devices are furtherconfigured to execute the computer readable program code to: receive anindication from a second user to log into the on-boarding applicationfor on-boarding one or more entities; identify the on-boarding templatefor the on-boarding application; determine second user profile data,wherein the second user profile data comprises at least a second usertype and a second user style-sheet, wherein the second user typeincludes an entitlement type that indicates what the second user isapproved to view and take actions on, and wherein the second userstyle-sheet includes how to display the plurality of on-boardingquestions and pre-defined answers in the on-boarding interface to thesecond user; display the on-boarding interface to the second user basedon the second user type and the second user style-sheet; receive theentity selection from the second user to on-board the entity within theon-boarding interface; display the plurality of first on-boardingquestions and pre-defined answers, the second one or more questions andpre-defined answers, and the answers provided by the first user in theon-boarding interface based on the template; receive an action from thesecond user that answers one or more of the plurality of first or secondon-boarding questions, or approves the answers provided by the firstuser; and store the answers to one or more of the plurality of first orsecond on-boarding questions or the approval of the answers provided bythe first user.
 3. The system of claim 1, wherein the system furthercomprises: one or more data storage databases for storing data filescomprising: a lookup data file comprising element data for display inuser interfaces of a plurality of users; a component data filecomprising a data type identifying a type of the data in the lookup datafile; and an entitlement data file comprising user types identifyingentitlements of the plurality of users for viewing the data in thelookup data file; a template database for storing a plurality ofon-boarding templates for display in user interfaces; a rules engine fordetermining data to display in the plurality of templates in the userinterfaces; a workflow engine for determining dissemination of the datato one or more users from the plurality of users throughout theinstitution; a workflow storage database for storing actions taken bythe one or more users from the plurality of users on the data; and areporting engine or a data distribution engine for reporting the actionstaken by one or more users from the plurality of users on the data orfor providing statuses of the actions taken by the one or more usersfrom the plurality of users on the data.
 4. The system of claim 3,wherein the one or more processing devices configured to execute thecomputer readable program code to determine a plurality of firston-boarding questions and pre-defined answers comprises: identifying theplurality of questions and pre-defined answers in the lookup data file;identifying a pre-defined answer type in the component data file;identifying user entitlements of the first user in the entitlement datafile; determining the plurality of first on-boarding questions andpre-defined answers based on the user entitlements of the first user inthe data file and the first user type; and wherein displaying theplurality of first on-boarding questions and pre-defined answers in theon-boarding interface is based on the pre-defined answer type.
 5. Thesystem of claim 1, wherein the user profile data includes a languagepreference, wherein displaying the on-boarding interface to the firstuser further comprises displaying the on-boarding interface to the firstuser based on the language preference.
 6. The system of claim 1, whereinthe processing device is further configured to execute the computerreadable program code to: receive documents for on-boarding the entityfrom the first user; and store the documents for satisfying thecompliance regulations.
 7. A computer program product for on-boardingentities to comply with compliance regulations utilizing an integrationframework, the computer program product comprising at least onenon-transitory computer-readable medium having computer-readable programcode portions embodied therein, the computer-readable program codeportions comprising: an executable portion configured to receive anindication from a first user from an institution to log into anon-boarding application for on-boarding one or more entities to complywith the compliance regulations and to determine that the institutioncan enter into transactions with the one or more entities beingon-boarded; an executable portion configured to identify an on-boardingtemplate for the on-boarding application; an executable portionconfigured to determine first user profile data, wherein the first userprofile data comprises at least a first user type and a first userstyle-sheet, wherein the first user type includes an entitlement typethat indicates what the first user is approved to view and take actionson, and wherein the first user style-sheet includes how to display aplurality of on-boarding questions and pre-defined answers in anon-boarding interface to the first user; an executable portionconfigured to display the on-boarding interface to the first user in afirst user interface based on the first user type and the first userstyle-sheet; an executable portion configured to receive an entityselection from the first user to on-board an entity within theon-boarding interface; an executable portion configured receive a regionin which the first user is on-boarding the entity, and wherein theregion in which the first user is on-boarding the entity determines atleast a portion of the compliance regulations; an executable portionconfigured to determine a plurality of first on-boarding questions andpre-defined answers for on-boarding the entity based on the user profiledata, the entity selection, and the region, wherein the plurality ofquestions and pre-defined answers for on-boarding the entity at leastcomprise product questions regarding products for which the institutionis entering transactions with the entity, and wherein the plurality ofquestions and pre-defined answers for on-boarding the entity at leastcomprise regulatory questions related to if the entity is regulated byan agency and verification questions related to if the entity is averified entity; an executable portion configured to display theplurality of first on-boarding questions and pre-defined answers in theon-boarding interface based on the template; an executable portionconfigured to receive an action from the first user that answers one ormore of the plurality of first on-boarding questions; an executableportion configured to store the answers to the one or more of theplurality of first on-boarding questions; an executable portionconfigured to determine one or more second on-boarding questions andpre-defined answers based on the answers to one or more of the pluralityof first on-boarding questions; an executable portion configured todisplay the second one or more questions and pre-defined answers in thetemplate in the on-boarding interface; and an executable portionconfigured to on-board the entity to allow the institution to enter intotransactions with the entity when the pre-defined answers to the productquestions and regulatory questions meet the compliance regulations. 8.The computer program product of claim 7, wherein the computer-readableprogram code portions further comprise: an executable portion configuredto receive an indication from a second user to log into the on-boardingapplication for on-boarding one or more entities; an executable portionconfigured to identify the on-boarding template for the on-boardingapplication; an executable portion configured to determine second userprofile data, wherein the second user profile data comprises at least asecond user type and a second user style-sheet, wherein the second usertype includes the entitlement type that indicates what the second useris approved to view and take actions on, and wherein the second userstyle-sheet includes how to display the plurality of on-boardingquestions and pre-defined answers in the on-boarding interface to thesecond user; an executable portion configured to display the on-boardinginterface to the second user based on the second user type and thesecond user style-sheet; an executable portion configured to receive theentity selection from the second user to on-board the entity within theon-boarding interface; an executable portion configured to display theplurality of first on-boarding questions and pre-defined answers, thesecond one or more questions and pre-defined answers, and the answersprovided by the first user in the on-boarding interface based on thetemplate; an executable portion configured to receive an action from thesecond user that answers one or more of the plurality of first or secondon-boarding questions, or approves the answers provided by the firstuser; and an executable portion configured to store the answers to oneor more of the plurality of first or second on-boarding questions or theapproval of the answers provided by the first user.
 9. The computerprogram product of claim 7, further comprising an executable portionconfigured to access: one or more data storage databases for storingdata files comprising: a lookup data file comprising element data fordisplay in user interfaces of a plurality of users; a component datafile comprising a data type identifying a type of the data in the lookupdata file; and an entitlement data file comprising user typesidentifying entitlements of the plurality of users for viewing the datain the lookup data file; a template database for storing a plurality ofon-boarding templates for display in user interfaces; a rules engine fordetermining data to display in the plurality of templates in the userinterfaces; a workflow engine for determining dissemination of the datato one or more users from the plurality of users throughout theinstitution; a workflow storage database for storing actions taken bythe one or more users from the plurality of users on the data; and areporting engine or a data distribution engine for reporting the actionstaken by one or more users from the plurality of users on the data orfor providing statuses of the actions taken by the one or more usersfrom the plurality of users on the data.
 10. The computer programproduct of claim 9, wherein the executable portion configured todetermine a plurality of first on-boarding questions and pre-definedanswers comprises: an executable portion configured to identify theplurality of questions and pre-defined answers in the lookup data file;an executable portion configured to identify a pre-defined answer typein the component data file; an executable portion configured to identifyuser entitlements of the first user in the entitlement data file; anexecutable portion configured to determine the plurality of firston-boarding questions and pre-defined answers based on the userentitlements of the first user in the data file and the first user type;and wherein the executable portion configured to display the pluralityof first on-boarding questions and pre-defined answers in theon-boarding interface is based on the pre-defined answer type.
 11. Thecomputer program product of claim 7, wherein the user profile dataincludes a language preference, and wherein the executable portionconfigured to display the on-boarding interface to the first userfurther comprises an executable portion configured to display theon-boarding interface to the first user based on the languagepreference.
 12. The computer program product of claim 7, wherein thecomputer-readable program code portions further comprise: an executableportion configured to receive documents for on-boarding the entity fromthe first user; and an executable portion configured to store thedocuments for satisfying the compliance regulations.
 13. A method foron-boarding entities to comply with compliance regulations utilizing anintegration framework, the method comprising: receiving, by one or moreprocessing devices, an indication from a first user from an institutionto log into an on-boarding application for on-boarding one or moreentities to comply with the compliance regulations and to determine thatthe institution can enter into transactions with the one or moreentities being on-boarded; identifying, by the one or more processingdevices, an on-boarding template for the on-boarding application;determining, by the one or more processing devices, first user profiledata, wherein the first user profile data comprises a first user typeand a first user style-sheet, wherein the first user type includes anentitlement type that indicates what the first user is approved to viewand take actions on, and wherein the first user style-sheet includes howto display a plurality of on-boarding questions and pre-defined answersin an on-boarding interface to the first user; displaying, by the one ormore processing devices, the on-boarding interface to the first user ina first user interface based on the first user type and the first userstyle-sheet; receiving, by the one or more processing devices, an entityselection from the first user to on-board an entity within theon-boarding interface; receiving, by the one or more processing devices,a region in which the first user is on-boarding the entity, and whereinthe region in which the first user is on-boarding the entity determinesat least a portion of the compliance regulations; determining, by theone or more processing devices, a plurality of first on-boardingquestions and pre-defined answers for on-boarding the entity based onthe user profile data, the entity selection, and the region, wherein theplurality of questions and pre-defined answers for on-boarding theentity at least comprise product questions regarding products for whichthe institution is entering transactions with the entity, and whereinthe plurality of questions and pre-defined answers for on-boarding theentity at least comprise regulatory questions related to if the entityis regulated by an agency and verification questions related to if theentity is a verified entity; displaying, by the one or more processingdevices, the plurality of first on-boarding questions and pre-definedanswers in the on-boarding interface based on the template; receiving,by the one or more processing devices, an action from the first userthat answers one or more of the plurality of first on-boardingquestions; storing, by the one or more processing devices, the answersto the one or more of the plurality of first on-boarding questions;determining, by the one or more processing devices, one or more secondon-boarding questions and pre-defined answers based on the answers toone or more of the plurality of first on-boarding questions; displaying,by the one or more processing devices, the second one or more questionsand pre-defined answers in the template in the on-boarding interface;and on-boarding, by the one or more processing devices, the entity toallow the institution to enter into transactions with the entity whenthe pre-defined answers to the product questions and regulatoryquestions meet the compliance regulations.
 14. The method of claim 13,wherein the method further comprises: receiving, by the one or moreprocessing devices, an indication from a second user to log into theon-boarding application for on-boarding one or more entities;identifying, by the one or more processing devices, the on-boardingtemplate for the on-boarding application; determining, by the one ormore processing devices, second user profile data, wherein the seconduser profile data comprises at least a second user type and a seconduser style-sheet, wherein the second user type includes the entitlementtype that indicates what the second user is approved to view and takeactions on, and wherein the second user style-sheet includes how todisplay the plurality of second on-boarding questions and pre-definedanswers in the on-boarding interface to the second user; displaying, bythe one or more processing devices, the on-boarding interface to thesecond user based on the second user type and the second userstyle-sheet; receiving, by the one or more processing devices, theentity selection from the second user to on-board the entity within theon-boarding interface; displaying, by the one or more processingdevices, the plurality of first on-boarding questions and pre-definedanswers, the second one or more questions and pre-defined answers, andthe answers provided by the first user in the on-boarding interfacebased on the template; receiving, by the one or more processing devices,an action from the second user that answers one or more of the pluralityof first or second on-boarding questions, or approves the answersprovided by the first user; and storing, by the one or more processingdevices, the answers to one or more of the plurality of first or secondon-boarding questions or the approval of the answers provided by thefirst user.
 15. The method of 13, further comprising accessing: one ormore data storage databases for storing data files comprising: a lookupdata file comprising element data for display in user interfaces of aplurality of users; a component data file comprising a data typeidentifying a type of the data in the lookup data file; and anentitlement data file comprising user types identifying entitlements ofthe plurality of users for viewing the data in the lookup data file; atemplate database for storing a plurality of on-boarding templates fordisplay in user interfaces; a rules engine for determining data todisplay in the plurality of templates in the user interfaces; a workflowengine for determining dissemination of the data to one or more usersfrom the plurality of users throughout the institution; a workflowstorage database for storing actions taken by the one or more users fromthe plurality of users on the data; and a reporting engine or a datadistribution engine for reporting the actions taken by one or more usersfrom the plurality of users on the data or for providing statuses of theactions taken by the one or more users from the plurality of users onthe data.
 16. The method of 15, wherein determining the plurality offirst on-boarding questions and pre-defined answers comprises:identifying, by the one or more processing devices, the plurality ofquestions and pre-defined answers in the lookup data file; identifying,by the one or more processing devices, a pre-defined answer type in thecomponent data file; identifying, by the one or more processing devices,user entitlements of the first user in the entitlement data file;determining, by the one or more processing devices, the plurality offirst on-boarding questions and pre-defined answers based on the userentitlements of the first user in the data file and the first user type;and wherein displaying the plurality of first on-boarding questions andpre-defined answers in the on-boarding interface is based on thepre-defined answer type.
 17. The method of claim 13, wherein the userprofile data includes a language preference, and wherein displaying theon-boarding interface to the first user further comprises displaying theon-boarding interface to the first user based on the languagepreference.
 18. The method of claim 13, wherein the method furthercomprises: receiving, by the one or more processing devices, documentsfor on-boarding the entity from the first user; and storing, by the oneor more processing devices, the documents for satisfying the complianceregulations.